how does this insurance work?

http://www.humanaonedental.com/affordable-dental-care-details.aspx?productId=131 i am 18 so i am just entering this insurance world and i have no idea what dectables are and copays are so how does the billing work with this insurance policy?? http://www.humanaonedental.com/Schedules/DHMO/005c550.qxd.pdf
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Dental insurance, I haven't seen any policies that pay out more than you pay in. When I had no insurance, a cleaning, exam, and Xray cost under $100. So their prices are WAY inflated.
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